Company Quick10K Filing
Cullen/Frost Bankers
Price88.68 EPS5
Shares64 P/E17
MCap5,632 P/FCF19
Net Debt0 EBIT502
TEV5,632 TEV/EBIT11
TTM 2019-09-30, in MM, except price, ratios
10-Q 2020-06-30 Filed 2020-07-30
10-Q 2020-03-31 Filed 2020-04-30
10-K 2019-12-31 Filed 2020-02-04
10-Q 2019-09-30 Filed 2019-10-31
10-Q 2019-06-30 Filed 2019-07-25
10-Q 2019-03-31 Filed 2019-04-25
10-K 2018-12-31 Filed 2019-02-06
10-Q 2018-09-30 Filed 2018-10-25
10-Q 2018-06-30 Filed 2018-07-26
10-Q 2018-03-31 Filed 2018-04-26
10-K 2017-12-31 Filed 2018-02-07
10-Q 2017-09-30 Filed 2017-10-26
10-Q 2017-06-30 Filed 2017-07-27
10-Q 2017-03-31 Filed 2017-04-26
10-K 2016-12-31 Filed 2017-02-03
10-Q 2016-09-30 Filed 2016-10-26
10-Q 2016-06-30 Filed 2016-07-27
10-Q 2016-03-31 Filed 2016-04-27
10-K 2015-12-31 Filed 2016-02-04
10-Q 2015-09-30 Filed 2015-10-28
10-Q 2015-06-30 Filed 2015-07-29
10-Q 2015-03-31 Filed 2015-04-29
10-K 2014-12-31 Filed 2015-02-05
10-Q 2014-09-30 Filed 2014-10-29
10-Q 2014-06-30 Filed 2014-07-30
10-Q 2014-03-31 Filed 2014-04-23
10-K 2013-12-31 Filed 2014-02-06
10-Q 2013-09-30 Filed 2013-10-30
10-Q 2013-06-30 Filed 2013-07-24
10-Q 2013-03-31 Filed 2013-04-24
10-K 2012-12-31 Filed 2013-02-08
10-Q 2012-09-30 Filed 2012-10-24
10-Q 2012-06-30 Filed 2012-07-25
10-Q 2012-03-31 Filed 2012-04-25
10-K 2011-12-31 Filed 2012-02-03
10-Q 2011-09-30 Filed 2011-10-26
10-Q 2011-06-30 Filed 2011-07-27
10-Q 2011-03-31 Filed 2011-04-27
10-K 2010-12-31 Filed 2011-02-03
10-Q 2010-09-30 Filed 2010-10-27
10-Q 2010-06-30 Filed 2010-07-28
10-Q 2010-03-31 Filed 2010-04-28
10-K 2009-12-31 Filed 2010-02-02
8-K 2020-07-30 Earnings, Exhibits
8-K 2020-07-29 Amend Bylaw, Exhibits
8-K 2020-04-30
8-K 2020-04-29
8-K 2020-02-14
8-K 2020-01-30
8-K 2020-01-21
8-K 2019-10-31
8-K 2019-07-25
8-K 2019-07-22
8-K 2019-04-25
8-K 2019-04-24
8-K 2019-01-31
8-K 2019-01-30
8-K 2018-10-25
8-K 2018-07-26
8-K 2018-07-25
8-K 2018-04-26
8-K 2018-04-25
8-K 2018-01-25
8-K 2018-01-24

CFR 10Q Quarterly Report

Part I. Financial Information
Item 1. Financial Statements (Unaudited)
Note 1 - Significant Accounting Policies
Note 2 - Securities
Note 3 - Loans
Note 4 - Goodwill and Other Intangible Assets
Note 5 - Deposits
Note 6 - Off - Balance - Sheet Arrangements, Commitments, Guarantees and Contingencies
Note 7 - Capital and Regulatory Matters
Note 8 - Derivative Financial Instruments
Note 9 - Balance Sheet Offsetting and Repurchase Agreements
Note 10 - Stock - Based Compensation
Note 11 - Earnings per Common Share
Note 12 - Defined Benefit Plans
Note 13 - Income Taxes
Note 14 - Other Comprehensive Income (Loss)
Note 15 - Operating Segments
Note 16 - Fair Value Measurements
Note 17 - Accounting Standards Updates
Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations
Item 3. Quantitative and Qualitative Disclosures About Market Risk
Item 4. Controls and Procedures
Part II. Other Information
Item 1. Legal Proceedings
Item 1A. Risk Factors
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
Item 3. Defaults Upon Senior Securities
Item 4. Mine Safety Disclosures
Item 5. Other Information
Item 6. Exhibits
EX-10.1 exhibit101-deferredsto.htm
EX-31.1 exhibit3112q20.htm
EX-31.2 exhibit3122q20.htm
EX-32.1 exhibit3212q20.htm
EX-32.2 exhibit3222q20.htm

Cullen/Frost Bankers Earnings 2020-06-30

Balance SheetIncome StatementCash Flow
35282114702012201420172020
Assets, Equity
0.40.30.20.20.10.02012201420172020
Rev, G Profit, Net Income
1.00.4-0.2-0.7-1.3-1.92012201420172020
Ops, Inv, Fin

cfr-20200630
falsefalsefalsefalse2020Q2Cullen/Frost Bankers, Inc.0000039263December 31Large Accelerated Filer62,700,8800.01210,000,00064,236,306
Goodwill is presented in the table below.
June 30, 2020December 31, 2019
Goodwill$654,952  $654,952  
Other intangible assets are presented in the table below.
Other intangible assets:
Core deposits$1,634  $2,043  
Customer relationship349  438  
$1,983  $2,481  
144,4865,5145.37500133,000133,000100,000100,000P1Y21212121
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Table of Contents
United States
Securities and Exchange Commission
Washington, D.C. 20549
Form 10-Q
Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
For the quarterly period ended: June 30, 2020
Or
Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
For the transition period from ________________ to ________________
Commission file number: 001-13221
Cullen/Frost Bankers, Inc.
(Exact name of registrant as specified in its charter)
Texas74-1751768
(State or other jurisdiction of incorporation or organization)(I.R.S. Employer Identification No.)
111 W. Houston Street,San Antonio,Texas78205
(Address of principal executive offices)(Zip code)
(210)220-4011
(Registrant's telephone number, including area code)
N/A
(Former name, former address and former fiscal year, if changed since last report
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on
which registered
Common Stock, $.01 Par ValueCFRNew York Stock Exchange
Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.     Yes      No  
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes      No  
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large accelerated filer
Accelerated filer
Non-accelerated filer
Smaller reporting company
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes      No  
As of July 23, 2020 there were 62,700,880 shares of the registrant’s Common Stock, $.01 par value, outstanding.


Table of Contents
Cullen/Frost Bankers, Inc.
Quarterly Report on Form 10-Q
June 30, 2020
Table of Contents
 Page
Item 1.
Item 2.Management's Discussion and Analysis of Financial Condition and Results of Operations
Item 3.
Item 4.
Item 1.
Item 1A.
Item 2.
Item 3.
Item 4.
Item 5.
Item 6.
2

Table of Contents
Part I. Financial Information
Item 1. Financial Statements (Unaudited)
Cullen/Frost Bankers, Inc.
Consolidated Balance Sheets
(Dollars in thousands, except per share amounts)
June 30,
2020
December 31,
2019
Assets:
Cash and due from banks$558,422  $581,857  
Interest-bearing deposits5,992,246  2,849,950  
Federal funds sold and resell agreements48,900  356,374  
Total cash and cash equivalents6,599,568  3,788,181  
Securities held to maturity, net of allowance for credit losses of $172 at June 30, 2020
1,968,954  2,030,005  
Securities available for sale, at estimated fair value10,606,696  11,269,591  
Trading account securities24,495  24,298  
Loans, net of unearned discounts17,971,937  14,750,332  
Less: Allowance for credit losses on loans(250,061) (132,167) 
Net loans17,721,876  14,618,165  
Premises and equipment, net1,044,261  1,011,947  
Goodwill654,952  654,952  
Other intangible assets, net1,983  2,481  
Cash surrender value of life insurance policies189,091  187,156  
Accrued interest receivable and other assets565,677  440,652  
Total assets$39,377,553  $34,027,428  
Liabilities:
Deposits:
Non-interest-bearing demand deposits$14,671,989  $10,873,629  
Interest-bearing deposits18,007,107  16,765,935  
Total deposits32,679,096  27,639,564  
Federal funds purchased and repurchase agreements1,589,384  1,695,342  
Junior subordinated deferrable interest debentures, net of unamortized issuance costs136,328  136,299  
Subordinated notes, net of unamortized issuance costs98,943  98,865  
Accrued interest payable and other liabilities865,001  545,690  
Total liabilities35,368,752  30,115,760  
Shareholders’ Equity:
Preferred stock, par value $0.01 per share; 10,000,000 shares authorized; 6,000,000 Series A shares ($25 liquidation preference) issued at December 31, 2019
  144,486  
Common stock, par value $0.01 per share; 210,000,000 shares authorized; 64,236,306 shares issued at June 30, 2020 and December 31, 2019
642  642  
Additional paid-in capital989,034  983,250  
Retained earnings2,678,686  2,667,534  
Accumulated other comprehensive income (loss), net of tax488,264  267,370  
Treasury stock, at cost; 1,566,661 shares at June 30, 2020 and 1,567,302 shares at December 31, 2019
(147,825) (151,614) 
Total shareholders’ equity4,008,801  3,911,668  
Total liabilities and shareholders’ equity$39,377,553  $34,027,428  
See Notes to Consolidated Financial Statements.

3

Table of Contents
Cullen/Frost Bankers, Inc.
Consolidated Statements of Income
(Dollars in thousands, except per share amounts)
Three Months Ended
June 30,
Six Months Ended
June 30,
2020201920202019
Interest income:
Loans, including fees$171,305  $189,848  $343,442  $375,120  
Securities:
Taxable23,360  30,324  49,390  55,003  
Tax-exempt59,009  58,596  117,895  117,739  
Interest-bearing deposits1,257  7,828  9,382  18,467  
Federal funds sold and resell agreements63  1,541  865  3,129  
Total interest income254,994  288,137  520,974  569,458  
Interest expense:
Deposits6,227  26,844  22,280  54,018  
Federal funds purchased and repurchase agreements486  5,220  3,523  10,236  
Junior subordinated deferrable interest debentures988  1,478  2,193  2,976  
Subordinated notes1,164  1,164  2,328  2,328  
Federal Home Loan Bank advances318    318    
Total interest expense9,183  34,706  30,642  69,558  
Net interest income245,811  253,431  490,332  499,900  
Credit loss expense31,975  6,400  207,172